Buyer 45 din se zyada payment rok raha hai? Micro / small enterprise ho toh kanoon aapke saath hai — 3 guna RBI bank rate par compound byaj. Samadhaan par case karne se pehle buyer ko likhit demand notice bhejein. Neeche invoices daalein: har invoice ka byaj nikal kar poora notice ban jaayega — PDF, Word ya copy. Free, no login.
MSME Payment Demand Notice Maker
Buyer not paying beyond 45 days? Make a formal demand notice under the MSMED Act with interest worked out for each invoice — print, PDF or Word. Send it before filing on MSME Samadhaan. बकाया पेमेंट का नोटिस — ब्याज के साथ, फ्री।
Free template, not legal advice. Covers micro and small enterprises registered on Udyam before the supply (Sections 15, 16, 18, 23 of the MSMED Act, 2006). Medium enterprises are not covered by these sections. Interest from the day after the due date, at three times the RBI Bank Rate, compounded with monthly rests. Last checked 3 Oct 2026.
Notice mein kya hota hai (MSMED Act 2006)
| Section | Kya kehta hai |
|---|---|
| 15 | Payment likhit agreement ke din mein, par 45 din se zyada nahi. Agreement nahi toh 15 din. |
| 16 | Der hone par RBI bank rate ka 3 guna, monthly compound byaj — due date ke agle din se. |
| 18 | Payment na mile toh Micro & Small Enterprises Facilitation Council (MSEFC) mein case — MSME Samadhaan se. |
| 23 | Ye byaj buyer income tax mein kharche ke roop mein nahi dikha sakta. |
Example: ₹1 lakh, 90 din late
Bank rate 5.50% → byaj 16.5% saalana, monthly compound. 3 mahine late hone par byaj lagbhag ₹4,180. 6 mahine par ~₹8,500. Byaj tab tak badhta hai jab tak payment na ho.
Notice bhejne ka sahi tareeka
- Apne letterhead par print karein, sign karein.
- Registered / speed post (AD) se bhejein, saath mein email bhi.
- Postal receipt, email aur invoice copies sambhal kar rakhein — Samadhaan par lagti hain.
- 15 din mein payment na aaye toh MSME Samadhaan par free complaint.
Kaun notice bhej sakta hai
- Udyam par micro ya small registered supplier — supply ke samay registration hona chahiye.
- Medium enterprise par Section 15–16 lagu nahi.
- Traders ke liye Udyam ki position alag hai — CA se confirm karein.
Aksar pooche jaane wale sawaal
MSME payment kitne din mein milna chahiye? Likhit agreement ho toh agreed din mein, par 45 din se zyada nahi. Agreement na ho toh maal / service accept hone ke 15 din mein (Section 15, MSMED Act).
MSME delayed payment par kitna byaj milta hai? RBI bank rate ka teen guna, monthly compound. Bank rate 5.50% par ye 16.5% saalana hai.
Demand notice bhejna zaroori hai? Kanoon mein zaroori nahi, par likhit notice se buyer ko maukaa milta hai aur Samadhaan / MSEFC case mein aapka record mazboot hota hai.
Notice ke baad payment na aaye toh kya karein? MSME Samadhaan portal par free complaint karein; case Micro & Small Enterprises Facilitation Council (Section 18) ke paas jaata hai.
Kya trader ya medium enterprise ye notice bhej sakta hai? Section 15–16 sirf micro aur small suppliers ke liye hain. Medium enterprise normal reminder bhej sakta hai.
Free template, kanooni salah nahi. Source: MSMED Act 2006 (Sections 15, 16, 18, 23); RBI Bank Rate 5.50% (Aug 2026). Last checked 3 Oct 2026.
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